133 OAK CIRCLE, INTERLACHEN, FL, 32148
Active55 days on marketListed Aug 18, 2026MLS #GC542835
About this home
133 OAK CIRCLE
WELCOME TO 133 OAK CIRCLE, INTERLACHEN, FL 32148 — WHERE PEACEFUL COUNTRY LIVING MEETS A BEAUTIFUL WATERFRONT SETTING! Situated on approximately 1.81 acres, this 2023 Live Oak Homes manufactured home offers 3 bedrooms, 2 bathrooms and approximately 1,536 square feet of comfortable living space surrounded by mature trees and natural Florida beauty. Enjoy the peaceful waterfront setting, spacious property and freedom of no HOA. The home offers the opportunity to enjoy fishing, birdwatching, relaxing by the water or simply taking in the quiet surroundings. With a newer home, generous acreage and a unique waterfront setting, this property offers room to spread out while remaining convenient to Interlachen, Palatka, Gainesville and surrounding North Central Florida communities. LOOKING FOR EVEN MORE LAND? The adjoining waterfront vacant parcel at 135 Oak Circle is also separately listed for sale under MLS #GC543872. The adjoining parcel is under separate ownership and is not included in the sale of 133 Oak Circle, but its availability creates a unique opportunity for a buyer interested in potentially acquiring both properties through separate transactions. Come discover the possibilities at 133 Oak Circle and make this peaceful piece of waterfront Florida your own! Buyer to independently verify property boundaries, water frontage/access, flood information, utilities and all information material to buyer's intended use.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,536
Sqft
1.81 ac
Lot size
2023
Year built
One
Levels
$163
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,990 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,990/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+19.9%
$/sqft vs Interlachen actives
$163 vs $149
Days on market
55 vs 95 typical
Where $163/sqft sits among the 23 Interlachen actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Interlachen
Get to know Interlachen. See the full Interlachen guide →
INTERLACHEN 32148 — neighborhood snapshot
Population
11,580
Median age
42.9
Median income
$45,320
Median home value
$87,800
Avg household
2.5
Households w/ children
1,389
For the school run
Putnam County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Interlachen market
$145K → $94K
Interlachen median sold, yr/yr
93.7%
Sale-to-list ratio (12 mo)
10 of 23
Interlachen actives have cut their price
Median sold price, Interlachen, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1983% above the INTERLACHEN 32148 median. See the full Interlachen market guide →
Paper trail
This home's history
Reality check
What actually sold near 133 OAK CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$275,000
137 OAK CIRCLE · same community
3 bd · 2 ba · 1,295 sqft · $212/sqft · 218 DOM
Sold · Nov ’25$210,000
111 JAMES AVENUE
4 bd · 2 ba · 1,560 sqft · $135/sqft · 5 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 133 OAK CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 133 OAK CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
133 OAK CIRCLE FAQs
What would the monthly payment be for 133 OAK CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,990/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 133 OAK CIRCLE?+
The most recent tax bill on record (2025) was $2,972. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Interlachen?+
At $250,000, this home is listed about 2% above the Interlachen median of $244,450. The market section on this page shows how the area is trending.
Which schools are assigned to 133 OAK CIRCLE?+
Interlachen Junior-Senior High School (high), Ochwilla Elementary School (elementary) — Putnam County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$250,000 runs 1983% above the INTERLACHEN 32148 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $260,000, now $250,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 LIGHTHOUSE REALTY · Rachel Lloyd. MLS #GC542835.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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